Phoenix, AZ · Charter 9111
NCUA · 1 branch
Q2 2020
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.49% | -0.30% | -1.71% | -1.85% | -1.96% | -1.86% | -5.36% | -4.85% | -300 bps | |
| Return on Equity | -5.21% | -3.36% | -20.52% | -22.66% | -22.65% | -23.08% | -74.11% | -88.40% | -6,574 bps | |
| Net Interest Margin | 4.74% | 4.49% | 4.11% | 4.35% | 4.81% | 4.62% | 4.33% | 3.73% | -62 bps | |
| Efficiency Ratio | 102.76% | 101.77% | 122.40% | 115.34% | 116.71% | 117.48% | 139.36% | 132.94% | +1,760 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.73% | -7.42% | -3.33% | -3.21% | -7.66% | -9.71% | -17.10% | -6.64% | -343 bps | |
| Loan Growth (YoY) | -5.49% | -8.01% | -7.84% | -3.81% | -3.71% | -7.88% | -12.25% | -26.77% | -2,297 bps | |
| Share Growth (YoY) | -12.02% | -5.95% | -4.46% | -5.15% | -7.22% | -8.73% | -14.74% | -1.36% | +380 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 1.25% | 1.01% | 0.12% | 1.36% | 2.02% | 2.21% | 1.32% | +120 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.45% | 0.48% | 0.56% | 0.49% | 0.50% | 0.46% | 0.80% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.31% | 8.95% | 8.33% | 8.16% | 8.67% | 8.05% | 7.24% | 5.48% | -268 bps | |
| Net Worth / Assets | 9.31% | 8.95% | 8.33% | 8.16% | 8.67% | 8.05% | 7.24% | 5.48% | -268 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.99% | 92.37% | 88.72% | 94.84% | 102.74% | 93.22% | 91.31% | 70.40% | -2,444 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |